VISA Credit Cards

Peach State offers a variety of VISA^® credit cards to fit your life with rates as low as 6.9% APR and 0% for six months on all new purchases and balance transfers!¹

VISA Credit Card Options

Low Rate VISA® Platinum (no rewards)	VISA Platinum with Rewards	Student VISA Platinum with Rewards
6.9% APR	8.9% - 12.9% APR	14.9% APR
No Annual Fee	No Annual Fee	No Annual Fee

Reward Cards Include:

ScoreCard Rewards

You’re automatically enrolled to earn one bonus point for every dollar spent in net retail purchases. Redeem the points and browse the store at: www.scorecardrewards.com

• Travel rewards including air miles
• Brand name merchandise
• Browse the store at www.scorecardrewards.com

VISA^® Student Platinum with REWARDS Credit Card

LOW 14.9% Annual Percentage Rate²

Minimum age is 18. A guarantor may be necessary if your annual income is not sufficient for repayment.

Peach State VISA^® Credit Card Disclosure

Interest Rates and Interest Charges

	Platinum A+ no rewards	Platinum A+ with rewards	Platinum A with rewards	Platinum with rewards	Student with rewards
Annual Percentage Rate (APR) for Purchases when you open your account based on your creditworthiness.	6.9%	8.9%	10.9%	12.9%	14.9%
APR for Balance Transfers	6.9%	8.9%	10.9%	12.9%	14.9%
APR for Cash Advances	6.9%	8.9%	10.9%	12.9%	14.9%
Penalty APR	NONE	NONE	NONE	NONE	NONE
How to Avoid Paying Interest on Purchases	Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

	Platinum A+ no rewards	Platinum A+ with rewards	Platinum A with rewards	Platinum with rewards	Student with rewards
Annual Fee	NONE	NONE	NONE	NONE	NONE

Transaction Fees

	Platinum A+ no rewards	Platinum A+ with rewards	Platinum A with rewards	Platinum with rewards	Student with rewards
Balance Transfer	NONE	NONE	NONE	NONE	NONE
Cash Advance	NONE	NONE	NONE	NONE	NONE
Foreign Transaction	1% of the converted transaction amount	1% of the converted transaction amount	1% of the converted transaction amount	1% of the converted transaction amount	1% of the converted transaction amount

Penalty Fees

	Platinum A+ no rewards	Platinum A+ with rewards	Platinum A with rewards	Platinum with rewards	Student with rewards
Late Payment	$25	$25	$25	$25	$25
Over-the-Credit Limit	NONE	NONE	NONE	NONE	NONE
Returned Payment	$25	$25	$25	$25	$25
Other Fees	$30 application fee refunded if approved	$30 application fee refunded if approved	$30 application fee refunded if approved	$30 application fee refunded if approved	$30 application fee refunded if approved

• How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).” The information about the cost of the card described above is accurate as of November 2, 2015. This information may have changed after that date. To find out what may have changed since then or to obtain a copy of the Agreement, call 678.889.4328 or 855.889.4328.
• 1 APR – Annual Percentage Rate. The 0% introductory APR applies to purchases, cash advances and balance transfers. Offer applies to new VISA^® credit card accounts only and may expire at any time; does not apply to account upgrades. If you are upgrading from a rewards card to a non-rewards card, then your points will expire at the time of the upgrade. The 0% APR is effective for the first six statement periods following the opening of your account. The APR will return to the annual percentage rate of your approved card type after the promotional period, or if you fail to make a minimum periodic payment during the promotional period within 60 days from the due date for that payment. Member must qualify for and maintain an active Peach State checking account. Rates range from 6.9% to 14.9%. A $30 application fee is charged for processing. When the card is issued, the fee will be refunded back to your account.
• 2 See the Fair Credit and Charge Card Disclosure below for Annual Percentage Rates. Peach State will determine card type and limit based on application information and credit history.